Auto Physical Damage
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
National Average
2025
33,065
9,341
42,406
22.03%
23.88%
2024
38,511
10,364
48,875
21.21%
23.31%
2023
39,136
11,274
50,410
22.36%
22.83%
2022
32,880
9,766
42,646
22.90%
23.10%
2021
32,943
9,272
42,215
21.96%
22.81%
2020
28,414
7,190
35,604
20.19%
21.51%
Commercial Auto Liability
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
National Average
2025
1,939
862
2,801
30.77%
49.08%
2024
2,401
904
3,305
27.35%
47.46%
2023
2,340
959
3,299
29.07%
47.29%
2022
2,038
966
3,004
32.16%
45.44%
2021
2,004
930
2,934
31.70%
44.40%
2020
246
110
356
30.90%
42.45%
Commercial Multiple Peril
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
National Average
2025
184
79
263
30.04%
42.44%
2024
194
98
292
33.56%
41.75%
2023
485
244
729
33.47%
38.64%
2022
417
155
572
27.10%
39.39%
2021
466
162
628
25.80%
40.41%
2020
365
211
576
36.63%
48.09%
Homeowners & Farmowners
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
National Average
2025
6,177
3,699
9,876
37.45%
38.98%
2024
8,699
4,624
13,323
34.71%
39.58%
2023
8,513
5,224
13,737
38.03%
36.96%
2022
2,976
1,480
4,456
33.21%
37.07%
2021
2,069
862
2,931
29.41%
39.17%
2020
2,117
679
2,796
24.28%
35.42%
Other Liability: Claims Made
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
National Average
2025
0
2
2
100.00%
83.87%
2024
1
1
2
50.00%
81.44%
2023
1
0
1
0.00%
74.87%
2022
1
0
1
0.00%
72.69%
Other Liability: Occurrence
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
National Average
2025
82
48
130
36.92%
13.25%
2024
69
28
97
28.87%
12.32%
2023
65
23
88
26.14%
16.34%
2022
13
7
20
35.00%
11.13%
2021
2
3
5
60.00%
18.93%
2020
3
5
8
62.50%
20.93%
Private Passenger Auto Liability
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
National Average
2025
9,932
4,686
14,618
32.06%
45.21%
2024
10,657
4,947
15,604
31.70%
45.23%
2023
10,752
4,837
15,589
31.03%
44.64%
2022
9,610
4,688
14,298
32.79%
46.15%
2021
8,901
4,661
13,562
34.37%
46.87%
2020
9,242
4,292
13,534
31.71%
43.90%
Warranty
Year
Claims Received and Closed
Claims Closed without Payment
Total Claims Received and Closed
Percentage of Claims Closed without Payment
Percentage of Claims Closed without Payment
National Average
National Average
2025
6,213
3,733
9,946
37.53%
3.84%
2024
7,142
4,021
11,163
36.02%
4.30%
2023
7,389
4,281
11,670
36.68%
4.57%
2022
1,981
1,083
3,064
35.35%
4.29%